JP Morgan just finalized a $13 billion settlement with the Justice Department over investigations into toxic mortgage investments that helped start the financial crisis. Some of that money will be going to help homeowners who took out mortgages with JP Morgan, Bear Stearns and Washington Mutual—the latter two banks being acquired by JP Morgan in 2008. Our pal Heidi Moore has an explainer about where all the money will be going, and why JP Morgan was able to settle without admitting any wrongdoing, over at The Guardian.